Bull Oak Capital, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Bull Oak Capital provides comprehensive financial planning and discretionary portfolio management primarily to individual and high‑net‑worth clients. The firm’s services cover retirement planning, cash‑flow and tax planning, estate coordination, and ongoing portfolio oversight.
Bull Oak emphasizes broad diversification and typically implements portfolios using exchange‑traded funds to capture asset‑class returns, tailoring allocations to each client’s risk tolerance and time horizon and monitoring accounts on a discretionary basis. While ETFs are the core vehicle, the firm may also use equities, fixed‑income instruments (including inflation‑linked bonds) and, on a case‑by‑case basis, cryptocurrencies when deemed appropriate.
Compared with many peers, Bull Oak discloses and uses client testimonials in its advertising, a practice that is relatively uncommon among similar advisory teams. The firm also integrates atypical services and background experience into its offering — coordinating tax‑return preparation through unaffiliated tax professionals as part of comprehensive engagements and maintaining a team with military special‑operations and professional‑sports backgrounds that informs its client service approach.
Client services
Expertise
Fee options
Financial Planning Fee: standard annual fee of $15,500 billed monthly in arrears, based on complexity and scope
$0 - $1,000,000: 0.00% $1,000,001+: 0.35%
Account minimum: $1,000,000 Minimum fee: Financial Planning Fee: standard annual fee of $15,500 billed monthly in arrears; fee increases 3% annually
Main office
16236 San Dieguito Rd., Ste 4 22
Rancho Santa Fe CA 92067-5752
Advisors at this office
4
Most active in
California · Texas
Also doing business as
Bull Oak · Bull Oak Capital, LLC · Hughes, Ryan
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Quick links
Advisors at this firm
Peter C
CFP®, Series 65
Rancho Santa Fe, CA
Bull Oak Capital, LLC
Peter Campbell is a CFP® with eight years of industry experience. He is currently with Bull Oak Capital, LLC, where he has worked since 2022. Prior to this, he was with Wealth Analytics Partners and Cambridge Investment Research Advisors, Inc. He also spent several years at Aviara Golf Academy. Bull Oak Capital serves individual and high-net-worth clients through a four-advisor team, offering customized financial planning and discretionary portfolio management. The firm’s investment approach emphasizes broad diversification with primarily ETF-based portfolios tailored to clients’ risk tolerance and time horizon.
Ryan H
Series 66
Rancho Santa Fe, CA
Bull Oak Capital, LLC
Ryan Hughes is a financial advisor at Bull Oak Capital, LLC in Rancho Santa Fe, CA, holding a Series 66 designation with 15 years of industry experience. He has been with Bull Oak Capital since 2014, working as part of a four-advisor team. Bull Oak Capital serves individual and high-net-worth clients by providing customized financial planning and discretionary portfolio management. The firm emphasizes broad diversification through primarily ETF-based portfolios, tailored to clients’ risk tolerance and time horizon, and integrates services such as retirement, tax, and estate planning with ongoing portfolio reviews.
Michael S
Series 65
Rancho Santa Fe, CA
Bull Oak Capital, LLC
Michael Stoner is a financial advisor at Bull Oak Capital, LLC with one year of industry experience. He holds a Series 65 designation and previously served ten years in the US Navy. Before joining Bull Oak Capital, he worked in exam preparation and spent two years at San Diego State University. Bull Oak Capital serves individual and high-net-worth clients through a four-advisor team, offering customized financial planning and discretionary portfolio management. The firm emphasizes broad diversification using primarily ETF-based portfolios tailored to clients’ risk tolerance and time horizon, and incorporates other asset types as appropriate.
Colin S
CFP®
Rancho Santa Fe, CA
Bull Oak Capital, LLC
Colin Summers is a CFP® professional with one year of experience at Bull Oak Capital, LLC. Prior to joining Bull Oak, he worked for the City of San Diego and Starbucks Corporation. Bull Oak Capital serves individual and high-net-worth clients through a four-advisor team, offering customized financial planning and discretionary portfolio management. The firm emphasizes broad diversification using primarily ETF-based portfolios tailored to clients’ risk tolerance and time horizon, and incorporates a range of investment vehicles including equities, mutual funds, fixed income, TIPS, and cryptocurrencies.
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